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Insurance settlement for rear-end accident

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What is the name of your state? Oregon

I need to file a claim for a rear-end accident within the 2-year time limit. I have been in physical therapy and chiropractor's office many times over the two years.
I have good documentation on expenses, compensation by my own no-fault insurance company, my employer's insurance company, and out of pocket for deductibles, missed time, and mileage.
Fault is firmly established through accident reports, and acceptance from the insurer's insurance company.
Total charges are approximately $9,000, and approximately $5,000 was paid by my personal non-fault insurance coverage.
Are there generally accepted insurance guidelines for value of compensation?
3 X $9,000 = $27,000
Repay my Ins -5,000
NET TO ME $22,000

Is this a fair request to the insurance company? I would like to settle directly and avoid the 30-50% lawyer's fees.

Thanks for any input,
FriedaWhat is the name of your state?

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